Great Tip: Put the Freeze on Identity Theft

There are plenty of common-sense things you can do to curb your risk of identity theft: shred personal documents, guard your Social Security number, and monitor your credit report. But if you really want to roll out the big guns, put a security freeze on your credit file.
A freeze bars anyone from having access to your credit report and credit score without your permission, which means identity thieves will have a tough time opening an account in your name—even if they know your name, date of birth, and Social Security number. That's because lenders generally won't issue new credit without first seeing a credit report.
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To check fees in your state and get instructions on how to place a credit freeze, go to consumersunion.org/securityfreeze.htm.